Fidelity’s decision to add annuities to target-date funds is reigniting a major retirement planning debate. In this episode, Dan Groben and Phil Menard explore why income planning is becoming just as important as market growth, the difference between market risk and interest-rate risk, and the questions investors should ask before adding an annuity to their retirement strategy. They discuss accumulation versus distribution planning, the role of guaranteed income, tax considerations, and how retirees can build a retirement plan designed to support long-term financial confidence.

Connect with Dan & Phil at Servant Advisors Group